A free debit account that earns high yield interest and MyPoints.
A free debit account that earns you cash back.
1APY=Annual Percentage Yield and is accurate as of 07/01/2026. Rates may change after account is opened. High-Yield Checking qualifications that must be met to obtain the Higher Interest Rate and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement Cycle = the first day of the month through the last day of the month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; (b) balances up to $25,000 receive APY of 4.00%; and (c) balances over $25,000 earn an interest rate of 0.10% on the portion of the balance over $25,000, resulting in 4.00% to 0.88% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Minimum to open is $100. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
²Cash Back Checking qualifications that must be met to obtain cash back rewards and ATM Withdrawal and Inquiry Fee refunds include: 1. Fifteen (15) individual or combined debit card or credit card transactions of at least $5.00 or more each (transactions may take more than one day to post/settle to your account); AND 2. Have an aggregate of ACH direct deposits totaling $500 or more post and settle each qualifying cycle; AND 3. Sign up and agree to receive eStatements and decline paper statements. ATM transactions or transfers between accounts not valid for qualifying. Qualifying transactions must post to and settle account during monthly qualification cycle. Qualification Cycle and Statement cycle = first day of month through last day of month. If qualifications are met each monthly qualification cycle: (a) Domestic ATM withdrawal and inquiry fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle; and (b) you will receive 3% cash back on purchases up to $200 for a total of $6 per month on combined debit and credit card purchases. If qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. Minimum to open is $25. Account is free from a monthly service fee, other fees may apply. Fees may reduce earnings (see fee schedule). Limit one account per household. Federally Insured by NCUA.
³ATM Withdrawal Fees: If qualifications are met each monthly qualification cycle domestic ATM withdrawal fees incurred during qualification cycle will be reimbursed up to an aggregate of $15 and credited to account on the last day of monthly statement cycle.
4My Rewards® Gold or Platinum Debit Cards: Base amount of points earned for purchases using the basic Neighborhood Credit Union Debit Card is 1 point per $100 for signature or PIN based card transactions.
†Qualification Cycle = the first day of the month through the last day of the month.
‡Courtesy Pay is available to qualified members after 2 days and overdraft fees apply. See Rates & Fees page for current fees. Please view the Courtesy Pay Guide(Opens in a new Window) here.
**Neighborhood CU may give early access to direct deposit funds from your employer, payments and credits into your account, or government deposits and payments depending on when the deposit or payment file is submitted to Neighborhood CU. Weekends or bank holidays may affect the posting date. As a result, the availability or timing of early direct deposit may vary from pay period to pay period. Fraud prevention restrictions may apply and delay early availability of funds. Early availability is not guaranteed. Additional restrictions may apply.
| Surcharge-Free ATMs |
Courtesy Pay | Refer Friends, Get Rewarded |
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The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw or deposit cash at over 90,000 ATMs nationwide without a surcharge fee.
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Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.
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Whenever you refer family or friends who do not have a membership with us, you'll receive up to $200.00.*
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| Mobile Wallet |
Send Money with Zelle® | GreenPath Financial Wellness |
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Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.
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Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number.
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With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
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Complete the following requirements each Qualification Cycle† to qualify for rewards for your High Yield or Cash Back checking account:
